Partner Call Replay: Understanding the Emotional State of Clients
Every morning, our partner firms join a call to discuss the markets, business operations, troubleshoot challenges, and hear the latest we are providing for them.…
In the SECURE Act Era, You’ll Need a New Retirement Strategy. Roth Conversions Could Be It.
By Jamie Hopkins, Director of Retirement Research Get ready for a new normal. With the SECURE Act comes the demise of the stretch strategy – and that could cost…
The SECURE Act’s Effect on Financial Planning: 8 Takeaways for Advisors
The first major retirement income overhaul in more than a decade is slated for Congressional approval this week, marking a dramatic change to tax law that could…
Yes, Social Security Income Is Taxable – But Yours Doesn’t Have To Be
By Jamie Hopkins, Director of Retirement Research As you move toward retirement, you can’t be content just to accumulate assets. You need to develop a retirement…
The Basics Of Required Minimum Distributions With Your Retirement Account
Retirement accounts like 401(k)s and IRAs allow individuals to save for their future in a tax advantaged manner. IRA and 401(k) contributions are often tax deductible…
3 Aspects of Retirement Affected by Divorce
Divorce rates for people age 50 and over have doubled since 1990, according to the Pew Research Center. Divorce can have both positive and negative impacts on happiness…
The Progression of Financial Planning Through Every Decade of Your Life
By Jamie Hopkins Your career and lifestyle look completely different when you’re in your 20s compared to when you’re in your 60s – your financial focus and…
Key Takeaways from the SEC’s Reg BI Rules Package
After an almost decade-long wait from the SEC, the commission moved forward rule changes that would expand regulatory responsibilities for brokers to act in the…
What ‘Avatar’ and ‘Avengers: Endgame’ Can Teach Advisers About What Clients Want
“Avatar” and “Avengers: Endgame” sit as No. 1 and No. 2 on the list of the highest-grossing movies in history (not adjusted for inflation). Both have taken…
5 Reasons to Think About Long-Term Care Planning Today
By Jamie Hopkins, Director of Retirement Research at Carson Group I once received an email from a family friend about long-term care insurance. He was frustrated…
One Retirement Risk Few People Talk About
Retirement is full of risks and hurdles, as it can span 30 or 40 years for many Americans. Certain risks are well known: running out of money, long-term care, health…
Three Retirement Planning Needs Everyone Has
Every retirement is unique. An individual’s situation – where they live, their health, their family, their finances, their goals – drives retirement. But,…
Future Funding of Social Security Is A Pivotal Piece To Retirement Security
By Jamie Hopkins You’ve probably heard of the three-legged retirement savings “stool.” The idea is that a quality savings plan for retirement starts with having…
Should You Use The Systematic Withdrawal Approach To Retirement Income Planning?
For many Americans, their financial planning goals can be broken down into two periods: saving for retirement and spending in retirement (if you’re up on your…
Comparing The 3 Most Popular Retirement Income Strategies
Is there a retirement crisis? The debate centers on how much people have saved or set aside for retirement. But the focus on savings amounts misses the point. Retirement…
2019: The Year of Retirement Reform
President Trump and Congress made their mark on the United States in 2017 with the most significant tax reform in 30 years. With four significant pieces of retirement…